Texas LCOs - Gen Liability Ins

I am wondering what other Texas LCOs are paying for liability insurance and who the insurance is written by? I know I hear about LCOs in other states getting insurance thru companies like Erie for just a few hundred bucks and would like to know if any Texans have found a low cost offering. I am insured thru Hartford for 1 million in gen liability and it costs me $1200.00 per year. Who do you Texas guys use and what does it cost?

I just asked for a quote today. Insurance guy said it will be a few days till he knows how much it costs. He did say there was a 1,000 deductable. wow. Only thing on my trailer worth over 1 grand is the mower. Is this normal?

I just asked for a quote today. Insurance guy said it will be a few days till he knows how much it costs. He did say there was a 1,000 deductable. wow. Only thing on my trailer worth over 1 grand is the mower. Is this normal?

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I'm confused I thought that Liability Ins. was to cover anything you damage not to cover your stuff?

Hey, I pay $1200 a year for a one million dollar liability policy and a $40000 inland marine that covers all my equipment. The insurance company is right across the river in Oklahoma, but she can insure Texas folks I believe. They are an independent insurance company, but I think the company she used was American something. Her name is Stephanie and it is Miller Insurance in Antlers Oklahoma. Lets see.....number is (580) 298-9990. It is a small insurance office and she is just a hometown girl. It would really help her out, and she is awesome about faxing and emailing bonds for cities and commercial accounts pretty fast.